How do I apply for a payment or installment plan with the IRS?

If you find yourself having trouble paying your taxes, or you need an extension on your payment, the IRS does have an option for you. Just follow these steps to get yourself an extension.

Do you wish to apply for a payment plan with the IRS? A payment plan is an agreement that you and the IRS reach. A plan allows you to make your payments within an agreed upon period. You may request a payment plan if you feel that you may be unable to make your payments on time. If your payment plan (installment agreement) is approved, a fee will be added to your tax bill. There are plenty of payment plans so you should find one that works for you.

Who Is Eligible for a Payment Plan?

Different people may be eligible for different payment plans depending on their tax situations. The different options include; full payment, long-term payment plans, and short-term payment plans. Short-term payment plans take 120 days or less. Long-term payment plans require you to complete your payments in over 120 days. Individuals can only apply for payment plans if they meet the following qualifications.

1. For long-term payment plans, they must owe $50, 000 or less in their combined tax, interest and penalties. They must have filed all the necessary returns

2. You qualify for a short-term payment plan if you do not owe more than $100, 000 in combined tax, interest, and penalties.

Businesses may qualify for long-term payment plans if they have filed all the necessary returns. They must owe $25, 000 or less in combined tax, interest, and penalties.

Applying For A Payment Plan

If you qualify for a payment plan, you need certain documents to make your application. If you have previously registered for an Online Payment Agreement, you need your Identity Protection PIN or transcript. Use the same user ID and password to log in. to prove your identity, you may need to provide the following details;

1. Your filing status

2. Your name as it appears on the tax return you filed most recently

3. Your date of birth

4. Your email address

5. Your Social Security Number

6. The address from your most recent filed tax return

7. Your financial account number or activation code that you received by postal mail, or your mobile phone number

If you are applying as a business, you need to provide the following details;

1. Your caller ID

2. The date when your business was established

3. Your Employer Identification Number (EIN)

4. The address used on your most recently filed tax return

Applying For Your Payment Plan

You should be able to apply for your payment plan online. If you are unable to log in and see it or apply for it, you may receive an activation code by mail. Complete the registration, login, and request your payment plan. You may also follow these steps to complete your request for a payment plan.

1. You may fill out Form 9465, Installment Agreement Request

2. Follow the instructions provided in Form 9465 and attach Form 433-F, Collection Information Statement

3. Mail your forms to the IRS and wait. You may receive a reply within 30 days after submission.

If you are not eligible for a payment plan, you may still request to make your payments in installments. You also have the option of reviewing your payment plan as your needs change.

If you have trouble applying for your payment or installment plan with the IRS, you should contact the Customer support team for help. You may get help from the IRS help desk, their email support, Live Chat, and phone number. You may also contact them through their various social media platforms including Twitter and Facebook. You should get help in less than an hour.

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How do I apply for a payment or installment plan with the IRS?

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Asked 4 years ago
Updated 2 years ago
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Setup Payment Arrangement

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